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How to Tell an Older Adult to Stop Driving

Change is difficult. When it comes to giving up some form of independence, it is even more difficult. Although the older adult may have years of good driving experience to his or her credit, there are factors that may...

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Why Proper Insurance for Your Condo is Very Crucial

There is a myth out there that many condominium owners unfortunately tend to believe. Let it be known: Your condo association’s insurance does not mean you do not need your own coverage! Condominium owners that use...

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A Quick Summary of Railroad Property and Liability Insurance

Railroad Property Liability Insurance - Various forms of railroad exposures include short line, regional, light transit, and national among other types. The big specializing insurers, like Lloyds of London, generally...

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Tenant Occupied Home: Do You Have the Right Insurance Policy?

Insurance agent Laizer Schonbrun relates the following about a tenant occupied home client. “Someone reached out to us here at Prime Insurance complaining about how the bank placed forced coverage on his tenant...

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Fun and Intriguing Facts about Insurance Matters

Most people would classify insurance as dry and boring. If you ask the professionals though, they’ll tell you that insurance can involve some of the most interesting points. We bring you a sprinkling of facts that...

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Are You Prepared for a Destructive Hurricane?

U.S. cities to take the biggest brunt of hurricane beatings in 2017 are listed in severity as: Cape Hatteras, NC Delray Beach, FL Hollywood, FL Deerfield Beach, FL Florida City, FL Grand Isle, LA Ft. Pierce, FL ...

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Does Your Homeowners Insurance Protect from Lightning Strikes?

One in 200: those are the chances of your home being stuck by lightning, as per the National Lightning Safety Institute. The statistic, along with a 2015 insurance study citing related damages above the $825 mark,...

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How to Find Precise Insurance for a Demolition Contractor

Demolition work is very hazardous, particularly within urban locations. As far as the insurance coverage is concerned, utilization of explosives along with the consistent threat of a building collapsing while the...

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Back to School: Insurance for the School Bus Contractor

Though public school bus fleets possess a form of self-governing protection, this is not so for the privately-run school bus company. Due to this, the private school-bus operation needs adequate high insurance limits...

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Bon Voyage: 12 Fun Facts about Airplane Travel

Summertime is the most popular time to take a vacation. PRIME Insurance makes it even more enjoyable with these interesting facts. The line of smoke left behind a traveling airplane is water vapor. No need to fear...

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Spotlight on Insurance for the General Contractor

A general contractor is considered the primary contractor – one who hires subcontractors and oversees as well as manages a construction site, building plan or enterprise. Insurance is individualized according to the ...

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Why Speeding in NY (and Elsewhere) is a Big No-No

The first week of August is marked in NY by “Speed Week”, a state-wide campaign to target drivers that speed beyond the posted speed limit. “Studies have shown, speeding kills,” says NY State Police Superintendent...

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Why the Media Needs Insurance Coverage

Media Liability Insurance - “Unhinged...Crazy...Fake” With adjectives like these depicting the media, newspapers, magazines, book publishers, radio stations, TV stations, film program producers, authors and...

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What Kind of Insurance Policy for a Natural Gas Utility?

A natural gas utility is either public or privately owned by an investor. Both types provide the same service to the consumer, distributing natural gas to residential and commercial homes and buildings. Every...

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Fun Facts about a PRIME Insurance Agent

- 9 Neat Reasons to Come to PRIME for Your Insurance Needs - Consulting with a PRIME Insurance agent comes free of charge. Coffee’s on the house at PRIME Insurance! PRIME Insurance specialists do a lot of...

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How to Protect Yourself from Special Event Liability

- Special Event Insurance - Special events involve gatherings of large crowds of people, presenting the potential for catastrophe. Organizers and hosts of these short-term events can obtain related insurance focused...

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How to Buy Auto Insurance for an Illegal Immigrant

Most US states do not issue a driving license for an undocumented immigrant. The difficulty magnifies because anyone without a license cannot acquire auto insurance. If an illegal immigrant drives and causes an...

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Understanding Insurance for the Day Care Center

Commercial liability coverage for an adult day care center is hard to place. This is due to the administration’s accountability in regard to the delicate state of the elderly placed in their trust. Although the older...

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Insurance for the Antique and Classic Car or Boat Owner

Antique and Classic Car Insurance Americans have a special penchant for refurbishing, looking after and preserving older cars. Hence, you find a host of assemblies, exhibitions, and expeditions sponsored by auto...

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Fun Facts about the Import and Export Business

With President Trump’s new trade laws that incorporate tariffs to imported goods, business people as well as consumers are worried about the impact on global trade. We take the heat off the topic by highlighting...

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Surety Bonds: Small Contractors and Miscellaneous, Special Risks

Small Contractors Surety Bonds - Those small contractors that are new to the business may discover that many insurance companies will be hesitant to provide bond coverage for them. Nonetheless, there are certain...

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When You are Not at Fault in a Car Accident

Anatomy of a Car Accident As per a Lakewood, NJ Police Auto Crash Investigation Report, our insurance client was Vehicle #2. Here’s what occurred: Vehicle #1 was driving Southbound on the right shoulder of New...

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Spotlight on Insurance for a Bar

Generally speaking, a bar is the spot where folks meet, drink alcoholic beverages and enjoy the camaraderie and any offered entertainment. Due to related perils, loss history, and client base, property and...

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Why Your Travel Insurance Might Not Cover Related Claims

The weather beckons. Your vacation plans are ready. You purchase travel insurance. You are set to go. RELATED: Will your airline reimburse you for a delayed flight? Many travelers think once a related insurance...

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Why Used Car Dealers Need Specialized Insurance

If you are a used car dealership, of course you need insurance. RELATED: how to buy a used car Like any business, insurance is an essential part of protecting your company from accidents or mishaps that can...

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Not-So-Fun Facts about Floods

A PRIME Insurance Special Report - It’s about 9:20 Friday morning on July 6th in Lakewood, NJ. The early morning’s heavy rain has subsided. There is no longer a need for my windshield wipers’ winding actions. I make...

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Specialty Commercial Insurance: What about Dive Shops?

It’s easy to understand why the property and liability coverage for dive shops is so hard to place. The most vital parts related to underwater survival are equipment and proper training. Mistakes or failures related...

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How Homeowners Insurance Deals with Fire caused by Fireworks

As I write this article on the morning of July Fourth, I’ve already heard about a fire in Jackson, NJ caused by pre-celebratory fireworks. A homeowner’s shed that stored cans of paint literally exploded when the...

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What Insurance for the Emergency Medical Industry?

Emergency care centers, emergency medical technicians and emergency service organizations all respond to urgent medical situations. Liability is a big concern and one that specialty commercial insurance should...

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Insurance Facts for the Personal Watercraft Owner

The sunnier seasons of the year beckon boat lovers towards the glistening coastlines. Personal watercraft owners use their vessels to relax and enjoy themselves alone or together with family and friends. The last...

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Fun Facts about Keeping Cool during a Heat Wave

Extremely hot temperatures are forecast for the coming days in many US states, including NJ, NY, PA and MD. Thankfully, we find ourselves in an era where we can enjoy the comfort of indoor air conditioning. Back in the...

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How to Successfully Buy a Used Car

Buying a used car may be an option for you if the price tag on a new car is too steep. Because of the risk of landing up with a lemon, it’s smart to learn things to consider before taking the plunge. RELATED: how...

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Do I Need More Personal Liability Insurance Coverage?

Is it is necessary to purchase a more comprehensive personal liability insurance policy than what the standard home or renters insurance includes? We’re here to help you make your decision based on some facts. You...

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Accident Insurance Protection for Your Students

Insurance Coverage Designed for Schools and Youth Groups - We all know that accidents can happen anywhere, but for schools and youth groups, the possibility is especially worrisome. That is why the ability to offer...

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Interesting Facts about Homeowners’ Water Damage

The insurance industry knows all too well about water damage in homes across the nation. If the cause is a covered peril, the homeowner’s policy can kick in to help pay for damage to the structure and personal...

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What to Look for in Insurance for the Painting Contractor

Painting contractors can be hired for outdoor or indoor work. This summary outlines the basic coverage needs of both types of painter. RELATED: why insurance for lead paint risks in the 21st Century? Exterior...

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Why it Costs so Much to have Auto Insurance

In an era where many find it difficult to make ends meet, the cost of auto insurance seems to exacerbate the situation for drivers. Bad enough that gasoline prices and car maintenance and repair costs are so high,...

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Insurance facts about Tesla and Other Electric/Hybrid Cars

Of late, Tesla and other electric type cars have gotten a great deal of publicity. These cars differ from traditional vehicles by running mostly on electricity, and by being a far cheaper fuel option than others that...

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Do You Have Proper Insurance for Your Vacant Home?

An unoccupied home has a much higher damage incident rate than an occupied one for the obvious reason –lack of a human presence that monitors risks, such as vandalism, theft and safety issues. The sobering national...

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Tell Me about about Insurance for Nurseries

Before we can understand the concept of insurance coverage for the Nursery, we must first define the operation. Nurseries are the retail and wholesale market for trees, shrubs and decorative plants. Some offer...

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Does Workers Comp Insurance Cover Tick Bites?

An Insurance Coverage Overview for the Construction Contractor - Unlike other industries where indoor work conditions limit exposure to pest risks, the construction business faces the potentially dangerous hazard....

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Cold-Hard Facts about Hail and Hailstorms

According to 2017 US National Insurance Claims reports, TX leads as the state sustaining the most hail damage ensuing forceful thunderstorms. A hailstorm sweeping over the Dallas-Fort Worth Texas area on Wednesday,...

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Why Your Business Needs Equipment Breakdown Insurance

If you are a business owner, medical center manager, or non-profit, you rely on different energy-powered equipment to help you keep your operation running. These may include: Computers Machinery Boilers Air...

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Four Reasons to Use an Independent Insurance Agent

When it comes down to it, we all want the same thing when we need insurance: Precise coverage tailored to our needs The lowest rate possible Accordingly, you will want to use an insurance agent that can locate...

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Info about Insurance for Fireworks Stands

Fourth of July preparations are underway and the excitement is mounting for all the celebrations. Of course, the colorful bursts of light that proclaim the American Independence in the sky year after year play a big...

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How to Drive Safer in the Summer Season

Who doesn’t love the summer? The vehicular traffic on the streets and highways of NJ, NY, PA and other US states are witness to a surge of people traveling to the beaches and parks to enjoy the warmer weather. Along...

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Specialized Insurance for Your Pawnshop Business

Pawnshops also are known as pawnbrokers. This type of business gives loans to customers that provide security of valuable items, like jewelry, watches, gold coins, musical instruments, TVs or computers as forms of...

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Teens: Dangerous Driving, Auto Insurance and More

A PRIME Insurance Report - Summertime and teen driving: studies indicate that once school is out, vehicular accidents become the chief cause of teenage deaths. Why are teenage drivers more prone to being involved in...

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Summertime and Barbecue Fire Safety

Spring turns to summer as families and friends get together in the outdoors to celebrate life. Grilling is as much a part of the season as the warm rays of the sun but here’s the warning: barbecues can be dangerous....

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Professional Liability Insurance for a Document Destroying Company

If you are a document destroying company, your clients make up a variety of businesses, nonprofits and organizations that take the privacy of their clients seriously enough to hire your professional services. Your...

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